Products & Services:

By Federal law, as of January 1st, 2013 funds in a noninterest-bearing transaction account (including an IOLTA/IOLA)
will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum
of $250,000.00 for each ownership category. For more information:
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Plus International Bank will never request or update any personal or account information such as social security numbers or account numbers and passwords via email or the Internet. We ask that if you receive any request for account information, please DO NOT RESPOND TO THE REQUEST. CONTACT THE BANK IMMEDIATELY at 305-375-0590 Customer Service Department.

Personal Checking Account

Accessibility and Simplicity Plus International Bank was born in the digital era; its operational
infrastructure is based on "state-of-the-art" computer technology. However, it has made it all simple and easy for the
customer. On-line instant accessibility to balances and transactions, from anywhere in the world, makes banking easier
and more rewarding, leaving time for the most important things in life.

Economical

At Plus International Bank, the customer can enjoy all the benefits of high-tech banking plus customized personal attention
simply by opening an account with an initial deposit $1000. If a minimum daily balance of $ 1,000 is maintained,
no Maintenance charges are assessed. Otherwise, a monthly $ 12 fee will be charged. This account does not bear interest.

Additional benefits

- Unlimited Transaction Privileges

- Unlimited Check Withdrawals

- Free Unlimited Internet Access

Savings Account

Money Grows. Customers can watch their money grow at Plus International Bank , when they make regular deposits.
The Savings Account is the perfect way to set aside money for special purposes, such as education, buying a car,
home appliances, or to build up capital for a higher-yield account or Certificate of Deposit.

The Good Habit of Saving

The savings Account is the perfect opportunity to start children out on the right financial foot.
When you make an initial deposit of $ 500, and keep a daily minimum balance of $ 500, there is no Maintenance charge assessed,
otherwise, a $ 10 per quarter service charge will be assessed. The interest is calculated and paid quarterly.

Additional benefits

- Earn interest on every dollar in the account

- Up to 6 preauthorized transfers or withdrawals per month

- Unlimited Internet access

Certificates of Deposit

Secured Future. When customers want make the most of their money while keeping it safe and secure, Plus International Bank offers a
full range of Certificates of Deposit insured by the FDIC, up to $250,000. Certificates of Deposit offer the customers competitive,
tiered rates so that the longer they keep the CDs, the higher the rate of return.

The Reliable Savings Option

Plus International Bank's Certificates of Deposit are particularly useful when you have a large
sum of money available for a specific period of time. Proceeds from the sale of real estate, which will be reinvested
at a later date, or accumulated balances on saving accounts that a customer has no immediate plans for, and is looking
for a higher interest rate of interest, are the perfect source for investing in Certificates of Deposit.

Additional benefits

- Interest accrued daily and paid according to the terms of the certificate Fixed interest for the term of the certificate

- Flexible terms, from 30 days to 5 years

- Low initial investment of $5,000

* Annual Percentage Yield (APY) will be fixed for the term of the deposit at the time the certificate of deposit is opened. A penalty is imposed for early withdrawal. For current rates being offered contact the customer service department at 305-375-0590.

Commercial Checking

Large Volume. This account is geared to meet the needs of businesses that have a large volume of account activity.
The bank will conduct a monthly analysis of the services utilized to determine if a service charge will be assessed.
Each month, an earnings allowance will be calculated using the average 90 day US Treasury Bill rate on the average
collected balance. Interest credits will be accumulated.

The commercial Checking Account can be opened with a minimum deposit of $500. An analysis charge of $ 18 plus additional service charges
will be imposed at the end of statement cycle.

Retirement Account

Never Too Soon. Plus International Bank knows that it's never too soon to start planning for your
retirement. We have created attractive and innovating retirement savings plans suitable for every particular
need. Individual Retirement Accounts (IRAs) offer excellent tax advantages. Customers can find Traditional
or Roth IRAs and the IRA account specifically designed for education at Plus International Bank.

Earning Power

All the IRA accounts have tiered interest rates which give the retirement funds
more earning power. The sooner an IRA account is
opened, the more comfortable the retirement years can be.

* withdrawals before age 591/2 generally are considered premature distributions and may be subject to a 10% penalty. Between ages 591/2 and 701/2, you choose whether or not to make withdrawals.

NOW Account

Interest Plus Liquidity

When looking for an interest earning account and the convenience of liquidity, the NOW Account is a real plus. It is like having
checking and savings all in one account. Money in this account earns interest that is compounded monthly. This account must
consist solely of funds in which the entire beneficial interest is held by one or more individuals in an individual
capacity, a sole proprietary, or a governmental unit, but not professional corporations or business partnerships.

The customer can open a NOW account with an initial deposit of $ 1,500. If a minimum daily balance of $ 1,500
is maintained, no Maintenance charges will be assessed. If the daily balance falls below $ 1,500 a monthly
charge of $ 12 is assessed. Interest is credited monthly.

Additional benefits

- Available to sole proprietorship, government agencies and not-for-profit organizations

- Unlimited activity levels and access to funds

- Earn interest on accumulated balances

- Unlimited Internet access

Money Market Account

Competitive Rates

For higher balances, the Money Market Account is a perfect financial tool. Customers at
Plus International Bank never have to sacrifice safety and liquidity to earn a competitive rate. Check writing
and transfer privileges make Money Market Accounts the most practical and simplest way to build an available balance
while earning very competitive interest rates.

Monthly Grow and Convenience

A Money Market Account can be opened with an initial deposit of $ 2,500.If a minimum
daily balance of $ 2,500. is maintained, no Maintenance charges are assessed. Interest is credited every month. A $ 15
Maintenance charge is assessed if the daily balance falls below $ 2,500. A $ 10 service charge will be assessed for
each check written in excess of six each month.

Additional benefits

- Earns money market interest rates

- Up to six permissible monthly number of transfers or withdrawals by check, debit card, or similar order payable to third parties

- Unlimited Internet access

Small Business Checking

Everyday Banking

There are accounts customers need for everyday banking. Every business, regardless of its size or activity,
needs deposit and payment services! Plus International Bank's Small Business Checking has been designed keeping in mind the
small- to medium-size company looking for personalized assistance in growing its business. Plus International Bank strives to
deliver practical solutions and effective services so customers can concentrate on what they do best, make money in their business.

Additional benefits

- If a minimum daily balance of $ 500 is maintained, no cycle service charges are assessed. If the
daily balance falls below $ 500, a cycle service charge of $ 12 per month will be assessed. Process
up to 150 checks per month at no charge and 20 deposits with up to 200 deposited items an no additional service charge

Speed up and Facilitate

Plus International Bank makes available a broad range of services designed to facilitate
business transactions, no matter where the customer is or where in the world the transaction is taking place.
On line, up to the minute information, 24 hours, 7 days a week is available through their state-of-the-art Web Site.

Commercial Letters of Credit

Experience and Expertise

Plus International Bank's Trade Finance specialists offer in-depth knowledge and
professional advice to exporters and importers on doing business from and to any country in Latin America,
particularly Mexico. When customers need a reliable and efficient service for international transactions
as well as immediate access to the accounts, the experience and expertise service of Plus International
Bank is the best partner. Fast and accurate processing of Commercial Letters of Credit, is a priority for the Bank.

Quick and Dependable

Quick and dependable processing and execution of wire transfers, inter-banking payments and
letters of credit payments allows the customers to concentrate on their income producing activities instead of
complex transactional mechanisms. Plus International Bank makes possible import/export transactions minimizing
commercial and country risk.

Personal & Commercial Loans

Quick and Easy

The capacity to give a quick response to customers' loan applications and straightforward
loan process separate Plus International Bank from conventional financial
institutions. We understand that business cannot wait.

Business and Commercial Services

Plus International Bank's responsive personal service pays special attention to the small-
to medium-size corporation that is looking for an agile bank that assists in growing its business.
The Bank's Trade Financing specialists offer in-depth knowledge and professional advice to exporters
and importers doing business with Latin America and particularly with Mexico.

In addition to commercial letters of credit, our trade finance specialists can help exporters
increase export sales by enabling them to extend open terms of credit to their clients in Mexico
and the rest of Latin America. We can also assist importers by establishing credit facilities for
the issuance of import letters of credit and the refinancing therein. As an approved lender under
the Master Guarantee Agreement with the Export Import Bank of the U.S.A., we can entertain medium
term loans up to $10,000,000 to qualified importers in Mexico and the rest of Latin America.
In addition to these basic products, we also offer the following services:

- Pre and Post export financing

- Inventory financing with or without guarantees from the Florida Export Finance Corp